t. rowe price. invest with confidence. request a prospectus or summary prospectus with investment information, risks, fees and expenses to read and consider carefull. wsome brokerage firms areon, but way too many aren't.s why? because selling their funds makes them more money. which makes you wonder. isn't that a conflict? search "proprietary mutual funds". yikes!! then go to e*trade. we've got over 8,000 mutual funds and not one of them has our name on it. we're in the business of finding the right investments for you. e*trade. less for us, more for you. the fund's prospectus contains its investment objectives, risks, charges, expenses and other important information and should be read and considered carefully before investing. for a current prospectus visit www.etrade.com/mutualfunds. >>> welcome back. some bad news for chicago. moody's downgrading the city's credit rating to just above junk bond status. don't be too quick to make a move in your portfolio. my next guest has a rally in municipal bonds could be just around